For members enrolled in the INCOMEprotect™ program prior to July 1, 2025
Plans issued before July 1, 2025, belong to the Legacy disability series, which is closed to new enrollees. For details on your plan, please refer to the:
How much does it cost?
No cost for 1st–3rd Year and for 4th Year base coverage as premiums are paid on your behalf by Doctors of BC.
Monthly cost for 4th Year optional increase to $4,000.
- Under age 40: $8.46
- 40–44: $16.91
- 45–54: $25.37
- 55–64: $35.27
Completion of Medical School
Next steps for residency
You must switch your plan to INCOMEprotect™ for Residents within 90 days from the end of medical school. You can customize your plan to suit your residency needs without evidence of insurability, including:
- Increase coverage up to $4,000 in R1.
- Add the Retirement Protection Rider.
Learn more about INCOMEprotect™ for Residents. Submit the medical graduate insurance options form within 90 days of your medical school completion date.
Speak with a non-commissioned Doctors of BC insurance advisor three months before you complete medical school to understand your options. Book a free consultation.
Making a claim
See Make a Claim for step-by-step instructions.